As an independent contractor in Sutter County, there are times when the folks working for you fall into gray areas where you may or may not need workers compensation insurance coverage. Do you fully understand the laws and obligations? We do, and it’s still hard to explain or just depends upon your individual situation. Don’t presume or take the word of someone who “may” know. Protect yourself, your interests and your workers and call the experts at California Contractors Insurance. We’ll give it to you straight and tell you exactly the type of workers compensation insurance you need.
Workers Compensation Insurance Specialists Near Me In Sutter County California
The worker’s compensation insurance experts at California Contractors Insurance have years of experience in the field of contractors insurance. Each of our highly skilled and certified agents is adept at designing workers compensation insurance policies that will meet the Sutter County CA legal requirements and the comprehensive coverage you and your workers need. Do you know what your obligations are when it comes to workers compensation insurance? Don’t guess and hope, find out and get covered. Trust us, you’ll sleep better knowing you have the coverage you need and require. As an independent contractor, you have enough to worry about, let us help provide you with the peace of mind you need.
Free Workers Compensation Insurance Quote – (888) 728-4034
Workers compensation insurance and health insurance are not the same things. Know the difference? We do, so call California Contractors Insurance at (888) 728-4034 and we’ll provide you with the right coverage your business needs. Request a free, no-obligation quote today and protect your business and your workers today. You’ll be glad you did.
Understanding Workers’ Compensation Insurance and More
Most mid-sized businesses in Sutter County will normally have at least a staff member or two. Thus, as an entrepreneur, having some knowledge on how workers’ compensation insurance works will go a long way in saving you a grand headache and financial damages in case something takes place to any of your workers.
Workers’ compensation insurance coverage in Sutter County CA is an insurance policy that offers wage replacement and medical expenditures to your workers in case they are hurt. This policy is in exchange for mandatory relinquishment of their right to sue the company for compensation.
Why This Policy Is Useful
This policy serves to safeguard the employer from punitive suits by their staff members. Sometimes, the claims can cause monetary damages leading to the business to become insolvent when the damages awarded are too high for the company to pay for. Thus, this system of cumulative liability was adopted to solve the issue.
The compensation plans in Sutter County vary among jurisdictions. However, in general terms, a form of disability insurance through replacement of salaries can be adopted. There will also be compensation for the economic loss for the injured staff member, payment or compensation of medical costs along with benefits granted to the employees’ dependents in case of death.
As a company owner, you should comprehend why such an insurance plan is handy. Apart from saving you from suits that can damage your reputation, it also prevents you from shutting down due to high damages granted to the injured employee.
The Policy Is Not Standardized
The workers’ compensation insurance coverage are managed by the individual states and areas business is located. Therefore, there isn’t really a single rule that is followed when awarding damages. Thus, when your company expands to other states, it would be prudent to discover from your attorney how the law operates in that area, and therefore you can adjust the policy accordingly.
Normally, damages sought for pain and suffering due to the negligence of the company as well as punitive damages for the company are not covered by the workers’ compensation plan. Thus, it would be prudent for the company to make sure that none of their policies or operations directly put the employees at risk of injury just because such an insurance plan remains in place.
Not All Businesses Apply
Not all companies need to have workers’ compensation insurance in place. For instance, small businesses (particularly sole proprietorships and partnerships) won’t require the insurance coverage unless they have staff members who aren’t also owners. In some cases, the state laws will allow the owners to get the compensation plan for themselves (as their own employees) if they want.
Some states also don’t need the business to have compensation insurance plan in place if the workers are solely paid on commission. Depending upon the state, the law might treat uninsured contractors as workers in case they are injured while working for you.
Getting the Plan
As a rule, if you have employees who aren’t owners, then it is a requirement to have such compensation insurance plans in place. Many employers take measures to guarantee that their workplace is safe, but mishaps do happen, and incomes are lost as a result. Hence, getting workers’ compensation insurance will safeguard both you and your workers in case of an accident.
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